Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're considering purchasing a home warranty, our list of the top providers in Derby can help. The cost of maintaining a home in Derby can be expensive, especially as your home ages and your appliances and systems need to be updated.
A home warranty in Derby can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear. Finding the best home warranties on the market can be quite a challenge because of the numerous options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the top home warranty providers in Derby.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Derby residents. Choice has 2 simple plans, making the selection process quick and easy. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Derby. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Derby homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
Read our thorough review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Derby, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for around 26 years. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Derby homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
For more information on this provider, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Derby residents. HSC has been operating for about 15 years, making it a highly regarded company in the industry. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Derby residents. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Derby area.
Read our full review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Derby. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
Read more by visiting our comprehensive review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Derby. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,106 |
| Heating | $4,071 |
| Electrical | $611 |
| Toilets | $509 |
| Washer/Dryer | $814 |
| Plumbing | $611 |
| Oven | $1,628 |
| Fridge | $611 |
A home warranty is a protection plan that covers home systems and appliances. When your HVAC stops working, and the repair costs several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty companies often don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
When one of your systems or appliances has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by calling customer support, and then a technician will come and fix the problem.
After that, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per year that the home warranty company will cover for repairs and replacements.
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear. The appliances commonly covered under a home warranty plan are the washing machine, dishwasher, dryer, oven, microwave, refrigerator, and more. System coverage typically includes air conditioning, electrical systems, plumbing, heating, and more.
Add-on coverage will vary from one plan to another, but you can expect to see things like pools, roof leaks, spas, electronics, central vacuums, and sump pumps.
A home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a home warranty.
Since temperatures in Derby can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Additionally, having a home warranty can save you time by removing the need to research repair people — most providers will send a trusted professional right to your door to do the repair or replacement.
One of the main drawbacks of home warranties is not everything you care about may be covered. It's important to compare the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren't sure or if this is a problem for you.
Finding the best company for your home warranty is a step you can take to help protect your property. Before deciding which home warranty to purchase, here are a few other factors to consider:
The best overall home warranty in Derby is Choice Home Warranty, but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dishwashers, washing machines, dryers, refrigerators, electrical systems, heating and cooling systems, water heaters, sump pumps, and plumbing, among others. Some companies also offer coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty can cover either your home's appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Generally a home warranty policy lasts for a year and you can renew it annually. In Derby where many rely on A.C., renewing your policy could help mitigate large expenses if your HVAC system needs repairs.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
Typically the homeowner pays for the home warranty. In the case of selling a home, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Derby is $170,200, a home warranty can be an added asset when buying a home.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so be sure to check with the company about this.
